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One last item if I may. Never be afraid to plan the budget and stick to it. If someone wants you to do something with them and it is not in your budget, tell them “I have put myself on a budget and am going to get debt free so I am unable to participate just now. If you would like to come over and visit or take a walk with me that would be great.”.. This can be a witness tool that we all should be using. It just might help someone else who is afraid to speak up..